Ityala lobambiso
I-mortgage yimali-mboleko yexesha elide eyenzelwe ukukunceda uthenge ikhaya. Ukongeza ekuhlawuleni inkunzi, kufuneka kwakhona uhlawule inzala kumbolekisi. Indlu nomhlaba oyijikelezileyo yenzelwa isibambiso. Kodwa ukuba ufuna ukuba nekhaya, kufuneka wazi ngaphezu kwezi zinto ziqhelekileyo. Le ngcamango iyasebenza nakwishishini, ngakumbi xa kuziwa kwiindleko ezizinzileyo kunye namanqaku okuvala.
Phantse wonke umntu othenga indlu unemali-mboleko. Amaxabiso ezindlu zokubolekwa kwezindlu ahlala ekhankanywa kwiindaba zangokuhlwa, kwaye intelekelelo malunga nemilinganiselo yesikhokelo iya kuhamba ibe yinxalenye yenkcubeko yezemali.
Imali yokubambisa yale mihla yavela ngo-1934, xa urhulumente-ukunceda ilizwe kwi-Great Depression - wadala inkqubo ye-mortgage eyanciphisa intlawulo efunekayo kwikhaya ngokwandisa imali abanokuba ngabanini-zindlu abanokuboleka. Ngaphambi koko, i-50% yentlawulo ephantsi yayifuneka.
Ngo-2022, i-20% yentlawulo ephantsi iyanqweneleka, ngakumbi ekubeni ukuba intlawulo ephantsi ingaphantsi kwe-20%, kufuneka uthathe i-inshurensi ye-mortgage yangasese (PMI), eyenza ukuba iintlawulo zakho zenyanga zibe phezulu. Noko ke, oko kunqwenelekayo akufuneki kufikeleleke. Kukho iinkqubo zokubambisa ezivumela iintlawulo eziphantsi kakhulu, kodwa ukuba ungayifumana loo 20%, kufuneka.
Imali mboleko yendlu
Siyinkonzo yothelekiso ezimeleyo, exhaswa yintengiso. Injongo yethu kukukunceda wenze izigqibo zemali ezikrelekrele ngokubonelela ngezixhobo ezisebenzisanayo kunye nezibali zemali, ukupapasha umxholo wokuqala kunye nenjongo, kwaye ikuvumela ukuba wenze uphando kwaye uthelekise ulwazi simahla, ukuze wenze izigqibo zemali ngokuzithemba.
Unikezelo oluvela kule ndawo lusuka kwiinkampani ezisibuyekezayo. Le mbuyekezo inokuphembelela indlela kunye nalapho iimveliso zivela khona kule sayithi, kubandakanywa, umzekelo, indlela ezinokuvela ngayo kwiindidi zodweliso. Kodwa le mbuyekezo ayichaphazeli ulwazi esilupapashayo, okanye nophononongo olubonayo kwesi siza. Asibandakanyi indalo yonke yeenkampani okanye izibonelelo zemali ezinokufumaneka kuwe.
Siyinkonzo yothelekiso ezimeleyo, exhaswa yintengiso. Injongo yethu kukukunceda wenze izigqibo zemali ezikrelekrele ngokubonelela ngezixhobo ezisebenzisanayo kunye nezixhobo zokubala zemali, ukupapasha umxholo wokuqala kunye nenjongo, kwaye ikuvumela ukuba wenze uphando kwaye uthelekise ulwazi simahla, ukuze wenze izigqibo zemali ngokuzithemba.
i-mortgage calculator
Ukuba sele usematyaleni ngeentlawulo zakho zokubambisa, kusenokubakho izinto onokuzenza ukuze uthintele ukuphindela emva kwiintlawulo zakho kwaye uhlawule ityala. Jonga indlela yokujongana netyala le-mortgage.
Ukuba unenkathazo enkulu yokuhlawula imali yakho, umzekelo, ukuba uqalise ukufumana iileta ezivela kumbolekisi we-mortgage esongela isenzo somthetho, kufuneka ufune uncedo kumcebisi wamatyala oyingcali.
Uyakwazi ukufumana isivumelwano se-mortgage esincinci kunye nomnye umbolekisi we-mortgage. Kusenokufuneka uhlawule umrhumo wokutshintsha ababolekisi bezindlu, kwaye kuya kufuneka uhlawule imali oyityala umbolekisi wokuqala ukuba uye wawa ngasemva kwiintlawulo zakho.
Unganakho ukunciphisa ezinye iindleko ngokutshintshela kwi-mortgage engabizi kakhulu, isakhiwo okanye i-inshurensi yokukhusela umxholo. Unokufumana ulwazi malunga nendlela yokutshintsha umniki-inshurensi kwiwebhusayithi yeNkonzo yeeNgcebiso zeMali: www.moneyadviceservice.org.uk.
Unokucela umbolekisi wakho ukuba bayavuma ukuthoba iintlawulo zakho zenyanga zindlu, ngokuqhelekileyo ixesha elilinganiselweyo. Oku kunokukunceda ukuba udlule kwimeko enzima kwaye ikuthintele ekuqokeleleni amatyala. Ukuba ityala sele liqokelele, kuya kufuneka ufumane indlela yokulihlawula.
Umbolekisi we-mortgage ufuna intlawulo ephantsi ye-20 kwaye unikezela ngemboleko yeminyaka engama-30 kwizinga lenzala ye-3,5
Kuninzi lwethu, ukuthenga ikhaya kuthetha ukuthatha imali-mboleko. Yenye yeemali-mboleko ezinkulu esiza kuzicela, ngoko ke kubaluleke kakhulu ukuqonda ukuba izavenge zisebenza njani kwaye zeziphi iindlela zokuzinciphisa.
Nge-amortization mortgage, intlawulo yenyanga yenziwe ngamacandelo amabini ahlukeneyo. Inxalenye yomrhumo wenyanga iya kusetyenziselwa ukunciphisa umthamo wetyala elingekahlawulwa, ngoxa enye iya kusetyenziselwa ukuhlawula inzala yelo tyala.
Wakuba ufikelele esiphelweni sexesha lakho le- mortgage, inqununu oyibolekile iya kuhlawulwa, oku kuthetha ukuba imali-mboleko iya kuhlawulwa ngokupheleleyo. Le theyibhile ilandelayo ibonisa ukuba inzala kunye nentlawulo yenqununu iya kutshintsha njani kwixesha le-mortgage.
Nangona kunjalo, ekupheleni kweminyaka eyi-25, kuya kufuneka ukwazi ukubuyisela i-£ 200.000 inqununu oyibolekile kwindawo yokuqala; ukuba awukwazi, kungafuneka uthengise ipropati okanye ujongane nomngcipheko wokuhluthwa.
Masibuyele kumzekelo wethu wangaphambili we-200.000 yeminyaka eyi-£ 25 ye-mortgage kunye nenzala ye-3%. Ukuba uhlawula i-£90 ngenyanga kakhulu, uya kulihlawula ityala kwiminyaka nje engama-22, okonga iminyaka emithathu yentlawulo yenzala kwimali-mboleko. Oku kuya kuba kukugcinwa kwe-£ 11.358.
